2086 Bluff Rd, Thurman, IA 51654 Property Records

Fremont County property record for 2086 Bluff Rd, Thurman, IA 51654

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 708 sqft · built 2018
Lot Size	6.77 acres (294,945 sqft)
Owner	2 Individual Names on File
Last Sale	$49,000 (Jun 2017)
Tax Bill	$3,720 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`280280718010000`

Property Details

APN / Parcel Number

Primary APN	`280280718010000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	708 sqft Living Area
1st Floor Area	708 sqft
Basement Area	708 sqft
Unfinished Basement	708 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	294,945 sqft (6.77 acres)
Garage Type	Mixed
Garage Area	3,456 sqft
Parking Spaces	12 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	272 sqft
Deck Area	624 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2086 BLUFF RD
City	THURMAN
State	IA
Zip	51654-6017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PCL A SW1/4 SW1/4 30-69-42
Legal Range	42W
Legal Township	69N
Legal Section	30
Jurisdiction	FREMONT IA
Township / Civil Division	SIDNEY
Census Block Group	1
Census Block	1048
Census Tract	970200

Owner

2086 Bluff Rd is owned and occupied by two individuals who bought it in June 2017.

Source: Fremont County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2086 BLUFF RD, THURMAN, IA 51654-6017
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage METRO FCU (IL)
Jun 5, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2017 · Amount on File
Deed Sale	Jun 5, 2017 · Amount on File
Deed Document Number	2017715
Deed Book / Page	2017 / 715
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT IA
Property Address	2086 BLUFF RD, THURMAN, IA 51654-6017
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1671
Date	Dec 6, 2021
Book Page	2021/1671
Instrument	20211671

Lender

Name	METRO FCU (IL)
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREMONT IA
Recording Date	Jun 5, 2017
Property Address	2086 BLUFF RD, THURMAN, IA 51654-6017
Document Number	02017/0715
Book / Page	2017 / 0715
Instrument Date	Jun 5, 2017
Instrument	20170715
Transaction Type	Transfer
Record Updated	Sep 15, 2022

Transaction

Amount	Amount on Record
Tax	$77.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1726 1ST AVE, PLATTSMOUTH, NE 68048-2840

Tax Assessment & Valuation

The 2026 property tax bill for 2086 Bluff Rd was $3,720 with a homeowner's exemption.

Source: Fremont County assessment roll, as of October 7, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Fremont County
Unified School District	Sidney Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,720.00	$343,890 (-) Land $76,170 Building $267,720	$343,890 (-) Land $76,170 Building $267,720
2025	$3,720.00 (+7.76%) Homeowner's exemption	$343,890 Land $76,170 Building $267,720	$343,890 Land $76,170 Building $267,720
2024	$3,452.00
2023		$304,700 (+6.93%) Land $76,170 Building $228,530	$304,700 Land $76,170 Building $228,530
2022	$3,998.00 Homeowner's exemption	$284,950 Land $55,930 Building $229,020
2021			$284,950 Land $55,930 Building $229,020

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2086 Bluff Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 24, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2086 Bluff Rd is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · above 97.3% of Iowa
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream Fixed Wireless · DSL	75 / 10
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

4G LTE only, no 5G reported

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